Alternatives to Capify
4 UK specialty finance alternatives to Capify, compared on product type, ticket band, rate, decision time and eligibility.
Capify vs the 4 alternatives
| Compared on | Capify | 365 Business Finance | Liberis | Bizcap | JPM Capital |
|---|---|---|---|---|---|
| Product | Short-term business loans and supplier invoice payment | Merchant cash advance (revenue-based finance) | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs | Specialist post-decline / fast cash | Specialist unsecured business loans, including post-decline cases |
| Ticket | £10k to £3m | £10k to £500k | £1k to £1m | £5k to £1m | £5k to £50k |
| Rate | Factor rate set by risk (not published) | One fixed cost, repaid as a percentage of card sales (quoted per offer) | One fixed fee, repaid as a percentage of sales (quoted per offer) | Factor rate set per application, plus an establishment fee | Quoted per application (not published) |
| Decision | Typically 24 to 48 hours; same-day funding available | Funding in as little as 24 hours | Funding in as little as 24 hours | Approval in as little as 3 hours | Typically 24 to 48 hours (its own figure) |
| Soft search | Yes | Yes | No | Yes | Yes |
| FundBiz editorial tier | Strong | Strong | Strong | Solid | Solid |
Sources: each lender's own published product pages, as recorded in our lender index: Capify · 365 Business Finance · Liberis · Bizcap · JPM Capital. Figures change; confirm with the lender before you rely on one.
365 Business Finance
Funding in as little as 24 hours · One fixed cost, repaid as a percentage of card sales (quoted per offer)Direct MCA lender suited to £25k+ card-flow advances where the borrower wants a no-broker-fee structure.
Liberis
Funding in as little as 24 hours · One fixed fee, repaid as a percentage of sales (quoted per offer)Embedded-finance specialist that suits businesses with an existing relationship with a partner platform (for example Worldpay, Barclaycard, Klarna, eBay, Dojo or Deliveroo).
Bizcap
Approval in as little as 3 hours · Factor rate set per application, plus an establishment feePost-decline specialist that can suit a business already declined by Funding Circle, iwoca or the high street that still needs cash quickly.
JPM Capital
Typically 24 to 48 hours (its own figure) · Quoted per application (not published)Unsecured business lender that says it helps businesses through difficult periods, including bad-credit cases where mainstream lenders decline.
Frequently asked questions
What are the main alternatives to Capify?
The closest UK specialty finance alternatives are 365 Business Finance, Liberis, Bizcap and JPM Capital. The table above sets them side by side with Capify.
How does Capify compare on ticket size and rate?
Capify offers short-term business loans and supplier invoice payment, with tickets of £10k to £3m. Its pricing: factor rate set by risk (not published).
How quickly does Capify make a decision?
Decision time for Capify: Typically 24 to 48 hours; same-day funding available. Decision times for the alternatives are listed in the comparison table; faster isn't always cheaper, so weigh speed against rate and ticket fit.
Does Capify do a soft-search quote?
Capify runs a soft-search quote, so it says checking eligibility doesn't affect your credit score. Among the alternatives, 365 Business Finance, Bizcap and JPM Capital offer a soft-search quote.
How we ranked these lenders
Every lender is scored on the same four FundBiz criteria: pricing transparency, eligibility clarity, decision speed and treatment of declined applicants. Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product sheets, not customer reviews and not hands-on product testing. Each list shows the date it was last updated. Inclusion is never paid for, and FundBiz receives no commission from lenders. FundBiz is paid a fixed fee by a business finance broker for each enquiry we pass on. See our full methodology.
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Send an enquiry →Last updated: . Editorial by Oliver Mackman.